Was dat?
Banks usually give shit return when putting your money in savings.
HYSA's give you much more money back for having your money in them.
I've seen as high as 5% interest annually.
Perfect for keep an emergency fund around, and still passively gaining money with your money.
The goal is to have your money working for you always. Index funds, HYSA, HSA, (Some longer term 401k / Roth IRA)
This post was edited by lolkggz on Apr 3 2026 07:55pm